Answer: If the policy relies on an app, install it on the replacement phone promptly and restore the required permissions.
Make the change before you depend on the car
Sign in, restore the required permissions and check that the app recognises the new device. If the old phone still works, keep it until the transfer is complete. That reduces the risk of unexplained missing journeys during the handover.
A new handset can interrupt app-based telematics
Changing phone may remove location permissions, Bluetooth pairing or background access that the insurance app relied on. Simply reinstalling the icon is not always enough.
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